How to Get Earthquake Insurance in Fort Worth

Fort Worth, Texas, is a vibrant city known for its rich history, booming economy, and growing population. While it’s not located along major tectonic plate boundaries like California or Alaska, the region is not immune to seismic activity. Over the past two decades, the number of small to moderate earthquakes in North Texas—including the Fort Worth metro area—has increased significantly, largely due to human-induced seismicity from wastewater injection related to oil and gas operations. Although most of these quakes are minor, the potential for more damaging events cannot be ignored. Homeowners in Fort Worth are often unaware that standard homeowners insurance policies do not cover earthquake damage. Without specific earthquake insurance, residents risk bearing the full financial burden of structural repairs, replacement of personal property, and temporary housing after a quake. This guide provides a comprehensive, step-by-step roadmap to help Fort Worth residents secure appropriate earthquake insurance coverage, understand their risks, and make informed decisions that protect their most valuable asset: their home.

Step-by-Step Guide

Step 1: Understand Your Earthquake Risk in Fort Worth

Before purchasing any insurance, you must first understand the level of seismic risk in your specific neighborhood. While Fort Worth is not in a high-risk zone like the Pacific Coast, the U.S. Geological Survey (USGS) has identified parts of Tarrant County—including areas near the Barnett Shale formation—as having elevated potential for induced seismicity. Earthquakes in this region typically range from magnitude 2.0 to 4.5, but even a magnitude 4.0 quake can cause significant damage to older homes, brick foundations, and unreinforced masonry.

Use the USGS National Seismic Hazard Map to determine your location’s risk level. Enter your ZIP code into the interactive map at usgs.gov/hazards. The map will show your probability of experiencing ground shaking over a 50-year period. If your area shows moderate to high hazard levels—even if labeled “low”—you should consider insurance. Also, consult local real estate professionals or city planning departments, as they often have data on historical seismic events and neighborhood-specific vulnerabilities.

Step 2: Review Your Current Homeowners Insurance Policy

Most standard homeowners insurance policies in Texas explicitly exclude earthquake damage. Even if your policy covers fire, wind, hail, or theft, it will not cover damage caused by ground shaking, liquefaction, or surface rupture. Review your policy documents carefully, particularly the “Exclusions” section. Look for phrases like “earth movement,” “seismic activity,” or “earthquake” listed under non-covered perils.

If you’re unsure, contact your insurance agent directly and ask: “Does my current policy cover damage caused by earthquakes?” Do not rely on verbal assurances—request written confirmation. If your policy does not include earthquake coverage, you’ll need to add it as a separate endorsement or purchase a standalone policy.

Step 3: Determine Your Coverage Needs

Not all homeowners need the same level of earthquake insurance. Your coverage needs depend on several factors:

• Home value and construction type: Brick, stone, or older homes are more vulnerable than modern wood-frame structures built to current building codes.
• Foundation type: Homes with crawl spaces or slab foundations may suffer different types of damage.
• Location within Fort Worth: Areas near fracking sites or wastewater disposal wells may have higher risk.
• Personal property value: Estimate the replacement cost of electronics, furniture, appliances, and collectibles.
• Living expenses during displacement: Consider whether you’d need funds for temporary housing if your home becomes uninhabitable.

Use a home inventory app or spreadsheet to document your belongings. Take photos and note purchase dates and values. This will help you determine the right amount of personal property coverage and streamline the claims process if needed.

Step 4: Research Insurance Providers Offering Earthquake Coverage in Texas

Earthquake insurance in Texas is not offered by every insurer. Major national carriers like State Farm, Allstate, and Liberty Mutual may offer it as an endorsement, while specialized providers like the Texas Earthquake Insurance Program (TEIP) or private insurers such as Zurich and Chubb offer standalone policies. Some local Texas-based agencies also partner with niche underwriters.

Start by contacting your current homeowners insurer to ask if they offer earthquake endorsements. If not, request a list of recommended providers. Use online comparison tools like NerdWallet, Insurify, or The Zebra to filter policies by coverage limits, deductibles, and customer ratings specific to Texas. Pay attention to which companies have strong financial ratings (A.M. Best or Standard & Poor’s) and a history of paying claims promptly in the region.

Step 5: Compare Deductibles and Coverage Options

Earthquake insurance deductibles in Texas are typically much higher than those for other perils. Instead of a flat dollar amount, most policies use a percentage-based deductible—ranging from 5% to 20% of your home’s insured value. For example, if your home is insured for $300,000 and your deductible is 10%, you’d pay $30,000 out of pocket before insurance kicks in.

Understand the difference between:

• Structure coverage: Repairs to your home’s foundation, walls, roof, and attached structures.
• Personal property coverage: Replacement of damaged belongings inside your home.
• Loss of use coverage: Costs for temporary housing, meals, and other living expenses while your home is being repaired.
• Additional endorsements: Some policies offer coverage for swimming pools, detached garages, or landscaping damage.

Be cautious of policies with low premiums but high deductibles or narrow coverage. A $100/month policy with a 20% deductible may leave you underprotected after a moderate quake. Balance affordability with realistic risk exposure.

Step 6: Obtain and Review Quotes

Request at least three detailed quotes from different providers. Ensure each quote includes:

• Insured value of your home and personal property
• Deductible percentage and dollar amount
• Annual premium
• Coverage limits for each category
• Exclusions and limitations
• Claims process details

Ask each provider: “What specific types of earthquake-related damage are excluded?” Common exclusions include damage from landslides, tsunamis (not applicable in Texas), or damage to fences and driveways. Also ask whether the policy includes “ordinance or law” coverage, which helps pay for upgrades required by new building codes after a quake.

Compare not just price, but clarity and transparency. A slightly more expensive policy with clear language and broader coverage is often a better long-term investment.

Step 7: Purchase the Policy and Confirm in Writing

Once you’ve selected a provider, complete the application process. You may need to provide:

• Proof of homeowners insurance
• Home construction year and materials
• Foundation type
• Recent home inspection report (if available)

Some insurers require a structural inspection before issuing coverage, especially for homes older than 30 years. Be prepared to schedule one if requested.

After purchase, ensure you receive a formal policy document and a declaration page (dec page) that lists all coverage limits, deductibles, and effective dates. Store this document digitally and in hard copy. Do not assume coverage begins immediately—confirm the start date and make sure it aligns with your needs.

Step 8: Notify Your Lender and Update Your Records

If you have a mortgage, your lender may require proof of earthquake insurance, especially if your property is in a designated risk zone. Even if not required, notify your lender in writing that you’ve added coverage. This ensures your policy is listed in their records and prevents future complications during refinancing or insurance audits.

Update your estate planning documents, including your will or trust, to reflect your new coverage. Inform family members where to find your policy documents in case of emergency.

Step 9: Prepare Your Home for Earthquake Events

Insurance protects your finances, but preparedness protects your safety and minimizes damage. Take these steps to reduce potential losses:

• Secure heavy furniture, water heaters, and appliances to wall studs using earthquake straps.
• Install latches on cabinets to prevent contents from spilling.
• Store emergency supplies: water, non-perishable food, flashlight, batteries, first aid kit, and important documents in a fireproof, waterproof container.
• Identify safe spots in each room—under sturdy tables or against interior walls away from windows.
• Develop a family communication plan in case you’re separated during an event.

Many Fort Worth city websites and local fire departments offer free seismic safety checklists. Download and implement them.

Step 10: Review and Renew Annually

Home values, personal property, and risk levels change over time. Review your earthquake insurance policy annually during your homeowners insurance renewal. Adjust coverage if you’ve made home improvements, purchased expensive items, or if your neighborhood’s seismic risk has increased due to new industrial activity.

Ask your agent: “Has my deductible changed? Are there new coverage options available?” Some insurers offer discounts for retrofitting your home with seismic reinforcements. Keep receipts for any structural upgrades—these may qualify you for premium reductions.

Best Practices

1. Don’t Wait Until After a Quake to Buy Coverage

Insurance companies often impose moratoriums on new policies after seismic events. If a moderate quake strikes near Fort Worth, insurers may temporarily stop issuing new earthquake policies to prevent adverse selection. Purchase coverage proactively—before any event occurs.

2. Bundle with Homeowners Insurance for Discounts

Many insurers offer multi-policy discounts when you bundle earthquake coverage with your existing homeowners policy. Even if the earthquake endorsement is slightly more expensive than a standalone policy, the combined discount can make it more affordable.

3. Avoid Underinsurance

Many homeowners insure their homes for less than the full replacement cost to save on premiums. This is dangerous with earthquake coverage. If your home is insured for $250,000 but costs $350,000 to rebuild, you’ll be responsible for the $100,000 gap—even if your deductible is only 5%. Always insure for 100% of replacement cost, not market value.

4. Document Everything

Before and after any earthquake, maintain a digital and physical record of your home’s condition. Take dated photos of every room, appliances, structural elements, and personal belongings. Use cloud storage with encryption. This documentation is critical for filing claims and proving loss.

5. Know Your Claims Process

Before an earthquake happens, understand how to file a claim. Know who to contact, what documentation is required, and how long the process typically takes. Some insurers require an adjuster visit within 72 hours. Keep your policy number, agent’s contact information, and a list of damaged items readily accessible.

6. Consider Retrofitting for Premium Reductions

Structural retrofits such as foundation bolting, cripple wall bracing, and water heater anchoring can reduce your earthquake risk and qualify you for up to 20% premium discounts. Contact a licensed structural engineer in Fort Worth to assess your home and recommend upgrades. Submit the engineer’s report to your insurer—it may lower your rates significantly.

7. Stay Informed About Local Seismic Activity

Sign up for alerts from the USGS Earthquake Notification Service (ENS) and the Texas Bureau of Economic Geology. These services send free email or text alerts when quakes occur in North Texas. Monitoring local activity helps you assess whether your risk profile has changed and whether you need to adjust your coverage.

8. Avoid Common Myths

Myth: “Fort Worth is safe—earthquakes here are too small to matter.”

Fact: Even minor quakes can crack foundations, break gas lines, or topple chimneys. Insurance isn’t just for catastrophic events—it’s for costly repairs that can total thousands.

Myth: “My renters insurance covers earthquakes.”

Fact: Renters insurance typically covers personal property but not structural damage to the building. Tenants need separate earthquake coverage for belongings if they want protection.

Myth: “Government will cover all my losses.”

Fact: Federal disaster assistance is only available after a presidential declaration and is often in the form of low-interest loans, not grants. It rarely covers full replacement costs.

Tools and Resources

USGS Earthquake Hazards Program

The U.S. Geological Survey provides the most authoritative data on seismic activity in Texas. Use their interactive map, real-time quake feed, and historical data tools to understand local patterns: earthquake.usgs.gov/earthquakes/map/.

Texas Earthquake Insurance Program (TEIP)

TEIP is a state-backed initiative designed to make earthquake coverage more accessible in high-risk areas of Texas. While not a government insurer, TEIP partners with private companies to offer standardized policies with transparent pricing. Visit teip.org to find participating agents and compare policy templates.

Fort Worth City Planning and Development Department

The city maintains building codes and seismic safety guidelines. Their website offers downloadable checklists for homeowners, including retrofitting tips and approved contractor lists: fortworthtexas.gov/departments/planning-development.

Home Inventory Apps

Use free or low-cost apps like Encircle, Sortly, or KnowYourStuff to catalog your belongings with photos, serial numbers, and purchase receipts. These apps sync with cloud storage and generate printable reports for insurance claims.

Insurance Comparison Platforms

• NerdWallet: Compares earthquake insurance premiums and coverage across Texas providers.
• Insurify: Offers personalized quotes and customer satisfaction ratings.
• The Zebra: Provides side-by-side policy comparisons with detailed exclusions listed.

Local Structural Engineers and Contractors

For retrofitting assessments, contact licensed professionals through the Texas Society of Professional Engineers (TSPE) or the Fort Worth Builders Association. Ask for contractors certified in seismic retrofitting—look for credentials like “Seismic Retrofit Specialist” or “ICBO Certified.”

Nonprofit Resources

Organizations like the American Red Cross and FEMA offer free earthquake preparedness guides and emergency kits. Visit redcross.org/earthquake for printable checklists and family safety plans.

Real Examples

Example 1: The Johnson Family, Tarrant County

In 2021, the Johnsons, who live in a 1972 brick home in North Fort Worth, experienced a magnitude 3.8 earthquake centered 12 miles from their residence. The quake cracked their foundation and shattered several tiles in their bathroom. Their standard homeowners policy denied coverage, citing “earth movement” as an exclusion. They had not purchased earthquake insurance, assuming Fort Worth was safe. The repair cost: $28,000. They paid out of pocket, took out a second mortgage, and later regretted not acting sooner. Today, they carry a 10% deductible earthquake policy with $400,000 structure coverage and $80,000 personal property coverage. Their annual premium is $620.

Example 2: Maria Rodriguez, Apartment Renter

Maria, a single mother renting a two-bedroom apartment in the Cultural District, had no insurance for her belongings. After a minor quake in 2022, her TV, computer, and kitchen appliances were damaged. She filed a claim with her renters insurance, but only her stolen items were covered. Her personal property loss totaled $5,200. She now purchases a standalone renters earthquake policy for $35/month, covering up to $15,000 in belongings. She also keeps a digital inventory on Encircle.

Example 3: The Thompson Homeowners Association

A small HOA in the Southside on Lamar neighborhood, consisting of 32 single-family homes, collectively purchased earthquake insurance through a group policy after three minor quakes in 2020. By pooling resources, they secured a 15% discount on premiums. Each home received $500,000 structure coverage with a 7% deductible. In 2023, a 4.1 quake damaged three homes. All claims were paid within 14 days, and repairs were completed without financial hardship to any homeowner.

Example 4: The Garcia Family’s Retrofit Success

The Garcias spent $8,500 on a seismic retrofit in 2022, including foundation bolting, cripple wall bracing, and water heater anchoring. Their insurer approved a 20% premium reduction on their earthquake endorsement, saving them $240 per year. Within two years, the savings covered the retrofit cost. When a 3.9 quake struck in 2024, their home suffered only minor drywall cracks—no structural damage. Their insurance claim was minimal, and they avoided major disruption.

FAQs

Is earthquake insurance required in Fort Worth?

No, earthquake insurance is not legally required in Fort Worth or anywhere in Texas. However, if you have a mortgage, your lender may require it if your property is located in a designated high-risk zone. Even if not required, it’s strongly recommended given rising seismic activity.

How much does earthquake insurance cost in Fort Worth?

Costs vary based on home value, construction, deductible, and coverage limits. On average, Fort Worth homeowners pay between $300 and $1,200 per year. A $300,000 home with a 10% deductible typically costs $500–$700 annually.

Does earthquake insurance cover damage to my car?

No. Earthquake insurance only covers your home and personal property inside it. Vehicle damage is covered under your auto insurance’s comprehensive coverage, not homeowners or earthquake policies.

Can I get earthquake insurance if my home is over 50 years old?

Yes, but you may need a structural inspection first. Older homes are considered higher risk, so insurers may require retrofits before issuing coverage. Some companies may decline coverage if the home has severe structural issues.

What if I rent my home? Do I need earthquake insurance?

While your landlord’s policy covers the building, it does not cover your personal belongings. Renters should purchase renters earthquake insurance to protect their possessions. Premiums are low—often under $50 per year for $15,000 in coverage.

How long does it take for earthquake insurance to become effective?

Most policies have a 15- to 30-day waiting period after purchase before coverage begins. This prevents last-minute purchases after a quake is anticipated. Plan ahead.

Will my premium increase if I file a claim?

Premiums may increase after a claim, depending on your insurer and the claim amount. However, some companies offer claim forgiveness for first-time claims, especially if the quake was widespread. Ask your agent about their claims history policy.

Can I cancel earthquake insurance anytime?

Yes, you can cancel at any time, but you may forfeit any unused premium. Some insurers charge a cancellation fee. Consider keeping coverage if you live in an area with increasing seismic activity.

Does earthquake insurance cover wildfires triggered by quakes?

Earthquake insurance covers damage caused directly by ground shaking. If a quake ruptures a gas line and causes a fire, the fire damage is typically covered under your earthquake policy. However, if the fire spreads independently, your standard homeowners policy may apply. Clarify this with your provider.

Are there government programs that help pay for earthquake insurance?

There are no direct subsidies or tax credits for earthquake insurance in Texas. However, some local nonprofits and city programs offer grants for seismic retrofits, which can lower your premium.

Conclusion

Living in Fort Worth means enjoying the benefits of a thriving urban center—but it also means acknowledging that seismic risk, while not extreme, is real and growing. Earthquake insurance is not a luxury for coastal residents alone; it is a prudent financial safeguard for any homeowner in North Texas. The steps outlined in this guide—from understanding your risk and reviewing your policy to comparing quotes and retrofitting your home—are not merely procedural. They are essential actions that protect your investment, your family’s safety, and your financial future.

Many residents delay purchasing earthquake insurance because they believe the likelihood of damage is too low. But history shows that when earthquakes occur, they strike without warning—and the cost of being unprepared far outweighs the cost of prevention. By taking proactive steps today, you ensure that tomorrow’s uncertainty doesn’t become tomorrow’s crisis.

Don’t wait for the ground to shake to realize you’re unprotected. Start your research now. Contact your insurer. Get quotes. Document your home. Make the call. Earthquake insurance in Fort Worth isn’t just about money—it’s about peace of mind. And in a world of unpredictable risks, that’s priceless.